Grow Without Compromise
Capital that aligns with your success, not your credit score. Fund transactions without debt or equity dilution.
Apply for FundingCommon Funding Challenges We Solve
Traditional financing creates barriers. We remove them.
Cash Flow Gaps
How we help: We fund your supplier directly, eliminating timing gaps between order and payment
Credit Score Barriers
How we help: Approval based on your confirmed transactions, not your credit history
Debt Burden
How we help: Profit-share model means no fixed repayments and no interest charges
Equity Dilution
How we help: Maintain 100% ownership while accessing the capital you need to grow
Industries We Serve
Supporting South African SMEs across diverse sectors with transaction-specific funding
Construction
Fund materials and subcontractors for confirmed building contracts worth R500K-R5M
Manufacturing
Purchase raw materials against verified purchase orders from major retailers
Logistics & Transport
Finance fleet expansion and operational costs for multi-year transport contracts
Professional Services
Bridge cash flow gaps between project delivery and client payment (30-90 days)
Retail & Distribution
Stock inventory for confirmed bulk orders without depleting working capital
Technology
Fund development and deployment costs for enterprise software contracts
Food & Beverage
Purchase ingredients and supplies for catering contracts and large events
Energy & Infrastructure
Finance equipment and installation for renewable energy and infrastructure projects
Real SMEs, Real Results
See how South African businesses used Umnandi Capital to unlock growth
BuildCo Construction (Pty) Ltd
Challenge
Received a R2.5M government tender but lacked R1.5M for materials and subcontractors. Traditional banks required 3 months and collateral they didn't have.
Solution
Umnandi verified the tender contract, approved funding in 3 days, and paid suppliers directly. Project completed on time.
Results
- R2.5M contract fulfilled successfully
- R400K profit after all costs
- Umnandi received 20% profit share (R80K)
- BuildCo kept R320K and won 2 more tenders
"Without Umnandi, we would have lost this tender. The speed and simplicity changed our business trajectory."
— Thabo Mthembu, Managing Director
Swift Transport Solutions
Challenge
Secured a 2-year logistics contract worth R800K annually but needed R600K to purchase additional trucks. Traditional loans would have taken 6 weeks.
Solution
Umnandi funded truck purchases directly from the dealership within 5 days of contract verification.
Results
- Fleet expanded from 3 to 6 trucks
- Contract executed on schedule
- R180K profit in first year
- Profit-share: Umnandi R36K, Swift R144K
"The profit-share model meant we didn't take on debt during a growth phase. Perfect timing for our expansion."
— Zanele Khumalo, CEO
TechForge Manufacturing
Challenge
Major retailer placed R1.8M purchase order but required 60-day payment terms. TechForge needed R1.2M for raw materials immediately.
Solution
Umnandi validated the PO with the retailer, approved funding, and paid raw material suppliers within 48 hours.
Results
- Order fulfilled 2 weeks ahead of schedule
- Total profit: R350K
- 18% profit share to Umnandi (R63K)
- TechForge retained R287K
"We went from cash flow stress to confident execution. Umnandi's model is exactly what SMEs need."
— Johan van der Merwe, Operations Director
How to Apply
Four simple steps from application to capital deployment
Submit Application
Complete our online form with transaction details, upload PO/contract, and provide business documentation
Document Review
Our team reviews your submission, verifies transaction authenticity, and assesses business viability
Approval Decision
Receive funding decision with clear terms, profit-share percentage, and deployment timeline
Capital Deployment
Funds transferred directly to your supplier or service provider. Transaction execution begins immediately
SME Funding FAQs
Common questions from South African business owners
Ready to Unlock Growth?
Join 200+ South African SMEs who've accessed R500M+ in transaction funding without debt or dilution